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Investment Account Finance

Make your investments work. 

Now you can get trouble free financing by applying for a personal finance guaranteed by fund's account / investment portfolios.

How to apply:

  1. The customer visits the NCB branch to apply for the loan.
  2. The customer submits the required documents.
  3. The customer  identifies the required finance (amount of finance, period of finance, annual percentage ratio, How to pay on a monthly, quarterly, semiannually, annually, every two years or at the end of the loan period).

Requirements:

  • Copy of national ID or residence permit valid for (30 days).
  • Age: not less than (18) years, and there is no maximum age.
  • Installments: monthly - quarterly - semi-annual - annual - two years after maturity - three years after maturity.
  • Tenure: Minimum (3) months and a maximum of 36 months.
  • Amount of financing: minimum (15,000 Riyals), and maximum (3,000,000).
  • Type of Warranty : fund accounts / investment portfolios in the National Commercial Bank, or NCB Capital and a pledge to making it a guarantee to the benefit of the National Commercial Bank.
  • Amount of guarantee: Obligation on an amount from funds account / investment portfolios according to the quality of the account and the amount of Loan for each specific account covering the total value (the amount of financing + Profit).
  • Nationality: Saudis and Residents.
  • Administrative fees: 1% of the finance amount, maximum of SAR 5000.
  • Guarantee accounts: more than one account can be accepted provided that the funds belong to one account.
  • Possibility of early repayment.
Payment mechanismAutomatic debiting from the customer's account is mandatory.
Early repayment ​ ​Early repayment is performed at the customer's request and the source of repayment amount is as follows: 

  • Liquidate the Fund's account / portfolios on which funding has been granted.
  • From the customer's current account if it covers the required amount.
Guarantee ​ ​Allows the customer to change the guarantee account under the following conditions:

  • That the fund account / new investment portfolios, which he wants to be the funding guarantee, are from the approved list.
  • That the amounts of balance in the fund account / new investment portfolios cover the total amount of remaining funding.


Terms and conditions applied
Administrative fees: 1% of finance amount or SAR 5,000 (whichever is less)
Administrative fees is included in Annual Percentage Ratio

Finance Amount
Maturity in Years*APRMonthly Payment Amount
100,000 SAR3 Years3.79%2,940  SAR

The table above and its numbers is an illustrative example only to show the annual percentage rate, which is dependent on three variables (Finance amount, profit rate, and loan tenor)